Enough is enough. Time to change my credit!

Enough is enough. Time to change my credit!

After years of bad credit, I am finally going to fight it! I havent really had the chance to pay any old debt back because of lack of funds with a low paying job. I have finally got a good paying job and as soon as I get my tax return I am going to pay ALLLLLLL of my debt off!

-Verizon Wireless $305 PFD letter sent today

-Kay Jewelers $900 Already paid half. Once this is paid in full should i sent GW letter? I made payment arrangements before i heard of the PFD letter

Re: Enough is enough. Time to change my credit!

I have never sent GW to any of those. But i also said enough is enough and I have 3 left and my tax refund will cover all 3 so then debt free. Only place Im having a hardtime with is capital one. They wont remove anything grrr. its all paid off they just like to sit on my report for some reason. Congrats!! Keep it up

Re: Enough is enough. Time to change my credit!

Bleety17 wrote:

After years of bad credit, I am finally going to fight it! I havent really had the chance to pay any old debt back because of lack of funds with a low paying job. I have finally got a good paying job and as soon as I get my tax return I am going to pay ALLLLLLL of my debt off!

-Verizon Wireless $305 PFD letter sent today

-Kay Jewelers $900 Already paid half. Once this is paid in full should i sent GW letter? I made payment arrangements before i heard of the PFD letter

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation.
Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies.
Many factors affect your FICO Scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.
FTC's website on credit.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.